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To: VALUESPEC who wrote (2095)	7/16/1999 10:44:00 AM
From: Susan G	Respond to of 2414

PHILADELPHIA--(BUSINESS WIRE)--July 16, 1999--Net.B@nk, Inc. (NASDAQ:NTBK), Chase Manhattan Corp. (NYSE:CMB) and First Union Corp. (NYSE:FTU) will be discussed by Raymond James Senior Vice President, Equity Research, Richard "Dick" Bove on RadioWallStreet today, July 16, 1999 at 11:00 AM EDT, Investor Broadcast Network f/k/a Vcall Corporation announced. Conducting the interview for RadioWallStreet will be Joseph Garner of Emerald Research, a leading equity research firm. To listen to the interview, investors should go to the RadioWallStreet website located at vcall.com and click on the RadioWallStreet event. RadioWallStreet is an Investor Broadcast Network service that broadcasts senior executive interviews, analyst roundtable discussions, seminars and other events of interest to the investment community. RadioWallStreet events are open to the investing public and may be heard over the Internet. Questions for this RadioWallStreet event may be submitted in advance by e-mailing greg@vcall.com.

To: VALUESPEC who wrote (2095)	7/17/1999 10:48:00 AM
From: mark garner	Read Replies (1) \| Respond to of 2414

Valuespec: well, we are in the process of hitting my downside target a lot quicker than i had thought. however, i wouldnt be surprised to see it stabilize in this range and maybe trade back up. i have seen your talk of USAB's website as being amateurish. thats the term that comes to mind when i read your analysis. next time, when you do any comparisons to USAB, make sure you end it with a comment about market cap, as a reader on the USAB board suggested to you. NTBK 1 billion market cap USAB 50 million market cap